Public liability insurance protects your business against compensation claims and their legal costs if you cause injury (including death) to a third party or damage to their property. Public liability insurance covers you on your premises and working off-site. It can cover legal costs defending claims and pay compensation if your business is found to be at fault.
Public liability cover is a form of business insurance that almost all types of company should really consider if they have contact with any third party, such as a member of the public.
Business, by its very nature, involves contact with people outside a company and it’s against claims from such people – the third parties – that the insurance can protect your firm.